A plain-English walkthrough of how you get cash advanced against your future settlement — with no credit check, no upfront cost, and no risk if you lose.
Tell us about your case. Free, no obligation, no credit check.
Your attorney verifies the case and shares details through a secure link.
Approved cases receive funds within 24–48 hours via direct deposit.
We charge a fee that accrues over time as a percentage of the advance. Rates are capped, disclosed up front, and never change. Here's a simple example:
Example for illustration only. Actual rates vary by case type and term. Full pricing disclosed in your funding agreement before any advance is made.
Traditional lenders underwrite you — credit, income, debt-to-income ratio. Non-recourse legal funding is the opposite: we underwrite the case. There are three things we actually evaluate.
Clear liability (rear-end, red-light violation, safety-code violation) supports a larger advance. Contested liability, comparative negligence exposure, or defense-favorable video reduces the advance. In Ohio, being 51%+ at fault means no recovery (§ 2315.33), so comparative posture matters more here than in some states.
We use current medicals, wage-loss documentation, and comparable Ohio verdicts and settlements. We size to the conservative projected settlement, not the optimistic one. On a case with a $50K–$100K range, we underwrite to the $50K number and cap the advance at 8–15% of that — never 30-40% like some competitors.
Case posture (pre-suit demand, filed, mediation scheduled, trial set) tells us how long the fee will accrue. A case that's already at mediation prices very differently from a case that just filed complaint. Faster resolution = lower total cost to you.
Overfunding is the biggest ethical problem in the pre-settlement funding industry. When a company funds you at 30% or 40% of your projected recovery, then adds fees that compound over 24 months, plaintiffs regularly find themselves at settlement owing more than they'll receive.
We cap at a fraction of the conservative projected recovery. If your case has an expected range of $50K–$100K, we underwrite to $50K and fund 8–15% of that. The result: even if the case settles at the low end of the range, you still walk away with the majority of the recovery after attorney fees, medical liens, and our repayment.
The cap is why we can be transparent about pricing. A predatory advance size can never be repaired by a "competitive" rate.
Illustrative only. Every case is priced individually and your actual advance, fee schedule, and net take-home will be disclosed in your contract before you sign.
Every repayment flows through your attorney's trust account at settlement — the way any lien is satisfied.
When the case settles, your attorney sends us a payoff request. We issue a statement showing the exact amount due based on the funding date and today's date.
Your attorney distributes the settlement: attorney fees, medical liens, our repayment, and finally the net to you. Everything is transparent and documented on the settlement statement you sign.
No collections. No credit reporting. No pursuit. The advance was non-recourse from day one; a lost case simply ends the relationship. That's the risk we underwrite.
We're deliberate about respecting your attorney's time. The entire verification process is designed around a single 5–10 minute call.
Verify the attorney-client relationship. Signed representation agreement is enough.
Crash report, medicals, demand letter or complaint, short case memo. Most attorneys have this ready in 30 minutes.
One-page acknowledgment stating the attorney will honor the funding lien at settlement. Standard document across the industry.
At settlement, one email to us produces the payoff statement. Attorney satisfies from trust account and disburses the net to the plaintiff.
We don't pull credit. Approval is based entirely on your case.
Most approved plaintiffs are funded the same business day.
Understand your funding amount, estimated repayment schedule, and applicable charges before making a decision.
Non-recourse means you only repay from your settlement. Lose the case, owe nothing.
If you have an active personal-injury or civil case with an attorney, we can probably help. Common case types we fund:
Don't see your case type? You can still apply — if you have an active claim with an attorney, we'll review it.